Wilcox County State Bank

105 Depot Street
Abbeville, GA 31001

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 17126
Date Established 1952
Assets $0.11 billion
Loans $0.08 billion
Deposits $0.09 billion
Capital $0.01 billion

Wilcox County State Bank is an FDIC insured institution located in Abbeville, GA. It was founded in 1952 and has approximately $0.11 billion in assets. Customers can open an account at one of its 4 branches.

For a more detailed analysis of Wilcox County State Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - July 19, 2019

Your Current Location: Washington, WA 98109

Savings and Money Market Rates APY MIN MAX
Money Market
0.35% $1,000 $9,999 Learn MoreShow Less
Money Market
0.45% $10,000 $99,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.50% $1,000 - Learn MoreShow Less
6 Mo CD
0.70% $1,000 - Learn MoreShow Less
12 Mo CD
1.21% $1,000 - Learn MoreShow Less
Special: 15 Mo CD
2.53% $1,000 - Learn MoreShow Less
24 Mo CD
1.56% $1,000 - Learn MoreShow Less
Special: 27 Mo CD
2.84% $1,000 - Learn MoreShow Less
36 Mo CD
2.07% $1,000 - Learn MoreShow Less
48 Mo CD
2.17% $1,000 - Learn MoreShow Less
60 Mo CD
2.32% $1,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
1.21% $100 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $800 - Learn MoreShow Less

Loan Rates - July 19, 2019

Your Current Location: Washington, WA 98109

There are currently no loan rates available for Wilcox County State Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Washington 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 520-CL-25944
3.756% 3.750% 0.13 $175 $1,158 Learn More
Rocket Mortgage
NMLS ID: 3030
4.500% 4.500% 0.00 $0 $1,267 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info
Figure Home Equity Line
Figure Home Equity Line
5.490 %
N/A Learn More
More Info

Note to Wilcox County State Bank
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Branches

Wilcox County State Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Seattle,Washington


Wilcox County State Bank Locations


Financial Details

Wilcox County State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Wilcox County State Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Wilcox County State Bank U.S. Bank Average
6.52% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2019, Wilcox County State Bank had $687,000 in non-current loans and $146,000 in owned real estate. To cover these potential losses it had $11,534,000 in equity and $1,244,000 in loans loss reserves. That gives it a Texas Ratio of 6.52%.

Return on Equity
Wilcox County State Bank U.S. Bank Average
12.35% 9.47%

Wilcox County State Bank has a Return on Equity of 12.35% versus the BestCashCow average of 9.47%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Wilcox County State Bank U.S. Bank Average
10.5% 12.49%

Wilcox County State Bank has a Capitalization of 10.5% versus the BestCashCow average of 12.49. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Wilcox County State Bank Balance Sheet Analysis

As of March 31, 2019, Wilcox County State Bank had assets of $109,831,000, loans of $77,644,000, and deposits of $89,548,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2019
ASSETS
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.01 billion
Federal funds sold and reverse repurchase $0.01 billion
Net loans and leases $0.08 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.01 billion
     Total Assets $0.10 billion
LIABILITIES
Total deposits $0.09 billion
      Interest-bearing deposits $0.07 billion
      Deposits held in domestic offices $0.09 billion
      % insured (estimated) 87.80%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.01 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.10 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

March 31, 2019
INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in Wilcox County State Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Farm Loans.

Compared to other banks in Georgia, Wilcox County State Bank has a significantly higher percent of 1-4 Family Residential Loans, Farm Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 48.47
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 4.64
Small Business Loans 0.00
Construction and Development Loans 1.98
Commercial Real Estate 13.16
Commercial and Industrial Loans 6.65
Farm Loans 9.78

Frequently Asked Questions About Wilcox County State Bank

Branches and Savings

Is Wilcox County State Bank FDIC insured?

Yes. It is covered under FDIC Certificate #17126.

Why does Wilcox County State Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Wilcox County State Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Wilcox County State Bank a commercial bank?

Yes

Where are Wilcox County State Bank locations?

See branch locations nearby.

Is Wilcox County State Bank open on Saturdays?

Is Wilcox County State Bank open on Sundays?

What time does Wilcox County State Bank open?

What time does Wilcox County State Bank close?

Are Wilcox County State Bank ATMs Open 24/7?

Do Wilcox County State Bank ATMs accept cash deposits?

Can Wilcox County State Bank customers use other ATMs?

Do Wilcox County State Bank branches have notaries?

Will Wilcox County State Bank notarize my document?

What address for Wilcox County State Bank should I put for incoming ACH transfers?

Will the Wilcox County State Bank branch print checks?

Do Wilcox County State Bank checks expire?

Does Wilcox County State Bank require US citizenship to open account?

Can Wilcox County State Bank close my account?

Does Wilcox County State Bank Report to credit bureaus?

Does Wilcox County State Bank Use Equifax?

What is Wilcox County State Bank's ACH Routing Number?

What is Wilcox County State Bank's SWIFT code?

Products

Does Wilcox County State Bank offer mortgages?

Compare mortgage rates here.

Does Wilcox County State Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Wilcox County State Bank offer personal loans?

Compare personal loan rates here.

Does Wilcox County State Bank offer student loans?

Will Wilcox County State Bank cash a check?

Will Wilcox County State Bank redeem a savings bond?

Does Wilcox County State Bank cash savings bonds?

Will Wilcox County State Bank cash money orders?

Can Wilcox County State Bank issue a money order?

Does Wilcox County State Bank do currency exchange?

Background on The Bank

Who owns Wilcox County State Bank?

How long has Wilcox County State Bank been around?

Can Wilcox County State Bank transfer to other banks?

Does Wilcox County State Bank have quick pay?

Does Wilcox County State Bank accept rolled coins?

Will Wilcox County State Bank accept loose change?

Where is Wilcox County State Bank headquarters?

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